Expertise.com
Get Listed

Best Credit Repair Companies in Charlotte

2023

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls
Credit Repair Companies FAQs 〉

Last updated:

Website
Charlotte, NC
  • Money Back Guarantee
  • Credit Audit
  • Credit Restoration
  • Credit building
  • Credit Repair

Why choose this provider?

Headquartered in New Jersey, Credit Saint is a financial services company specializing in credit monitoring and dispute monitoring for clients having issues with their credit history and standing. Credit Saint offers a comprehensive list of credit monitoring and assistance which includes credit polish, remodeling, and clean slate. The programs focus on credit score analysis, inquiry tracking, and creditor interventions. Each Credit Saint package is designed to fit various needs, allowing clients to choose a suitable plan to help improve their financial and credit history.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free Credit Evaluation

Website
301 South Mcdowell Street, Charlotte, NC 28204
  • Credit Financial Planning
  • Credit Score
  • Credit Reporting
  • Charlotte Credit Repair
  • Credit Repair

Why choose this provider?

Tier One Premier is a credit restoration firm serving Charlotte and the surrounding areas. Its specialists help clients build their credit scores to get loan approvals and improve their financial situations. They analyze and identify outdated, unverifiable, and erroneous records in clients' reports, and dispute them with the credit agencies. They work with clients to understand their financial habits and history and determine the best option for their circumstances. Tier One Premier is a member of the Credit Consultants Association.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free Consultation

Lexington Law logo
FEATUREDExpertise.com

Lexington Law

Website
Charlotte, NC
  • Credit Repair
  • Consumer Credit Services

Why choose this provider?

Lexington Law helps ensure fair and substantiated credit reports through attorney-driven credit repair processes. Its unique approach leverages all relevant legal principles and standards to fight for consumer rights and the improvement of its clients’ credit scores. It determines and disputes questionable items that are wrongfully hurting reports and mounts law-backed interventions—disputing bureaus and creditors for the removal of negative items, toward more accurate credit scores. Lexington Law’s consumer advocacy has secured 77 million item removals since its founding in 2004. Directing attorney John Heath has focused the firm’s practice on consumer credit report repair, including the provision of personalized coaching programs for prudent credit management.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Facebook
4.3 / 5 (2911)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free Credit Report Consultation

Website
2730 Spring Breeze Way, Monroe, NC 28110

Why choose this provider?

Improve Credit LLC provides personalized credit repair services to individuals in Charlotte and surrounding areas. Wanda Strickfaden, company founder, has over 19 years of experience. The trained team at Improve Credit LLC helps clients restore their credit with a detailed credit consultation and action plan. The staff assists clients in understanding all items on their credit reports and how to manage the negative items with the credit bureaus. The company provides credit education and monitoring services to help customers build and maintain good long-term credit. Online, clients can find Improve Credit LLC's blogs, where the company supplies resources on understanding credit scams and obtaining credit relief.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (14)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
301 McCollough Dr 4th floor, Charlotte, NC 28262

Why choose this provider?

Credit Smash has been offering credit repair services in Charlotte since 2016. The company's trained agents analyze clients' credit reports and work with credit bureaus and collectors to challenge negative information that affects credit scores. The company can help remove incorrect information pertaining to collections, charge-offs, liens, inquiries, bankruptcies, and foreclosures. It can also address inaccurate marks regarding repossessions, late payments, and judgements. The company's mission is to help customers take charge of their financial lives and improve accessibility to credit education. Credit Smash actively educates clients on strategies that help build and sustain high credit scores. The company has helped remove more than 11,000 errors from credit reports.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.4 / 5 (19)
Facebook
5.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
11709 Fruehauf Drive, Suite 111, Charlotte, NC 28273
  • Credit Audit

Why choose this provider?

Kash & Services is a business that offers credit repair services in the Charlotte metro. It helps clients improve their credit reports and scores by removing inaccurate information and balances and providing analysis of clients' credit reports. The company also helps clients in tax preparation, bookkeeping, estate planning, payroll, and life insurance. Kash & Services is owned and operated by Charlotte native Shayla Lowry. Lowry also operates KASH Logistix, a business that provides logistics and dispatch services.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (20)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2108 Ayrsley Town Blvd, Charlotte, NC 28273

Why choose this provider?

Davis Future Planning LLC is a credit repair company that has been serving clients in Charlotte and nearby areas for over seven years. It assists individuals who have suffered from financial mishaps, helping them regain and maintain good credit standing. Credit specialists at the firm review their clients' credit history, monitor credit scores, and investigate and remove misleading items from credit reports. The company also offers credit-building services and financial counseling to help ensure long-term financial stability and improvement of credit scores.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (24)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3124 Milton Rd, Charlotte, NC 28205
  • Credit Audit

Why choose this provider?

Harrington Credit Pros is a Charlotte-based financial solutions company that caters to clients throughout the area. It helps individuals increase credit scores through credit counseling. The company works to remove inaccurate and unverifiable information related to student loans, repossessions, evictions, late payments, medical bills, and bankruptcy from credit reports. It has experience dealing with Experian, TransUnion, and Equifax. Harrington Credit Pros also educates clients on identity protection, credit reversal, personal budgeting, and life insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
P. O. Box 99, Charlotte, NC 28130

Why choose this provider?

HOPE4USA is a credit repair agency in Charlotte serving clients throughout the area. The company works with individuals to fix credit report errors and improve their credit rating to get limit increases and qualify for home and car loans. The agency also helps clients with related problems, such as securing credit cards to increase their overall rating and consolidating student loans to make it easier to pay down the balance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.9 / 5 (34)
Google
4.4 / 5 (18)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
10130 Mallard Creek Road, Charlotte, NC 28262

Why choose this provider?

The ADR Financial Group provides credit repair solutions to clients in Charlotte and the surrounding areas. This group led by Ratiq "Rocky" DeWitt and Alexis "Lex" DeWitt understands the impact of a bad credit score. It specializes in providing personalized credit plans for each individual. They offer comprehensive credit repair, D.I.Y. credit repair, and indefinite wealth mentorship services. The DeWitts' group also helps clients build and check their credit scores.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (130)
Facebook
5.0 / 5 (10)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
407 Jackson Park Road, Kannapolis, NC 28083

Why choose this provider?

Pay After Deletion Credit Repair is a company that serves the residents of Charlotte and nearby areas. It provides credit repair services using a performance-based model. It offers technical data deletion to remove name and address variations that are not accurate. Danny Garcia, the owner of the company, has been handling business, credit, and personal finances for more than 20 years. He has also worked in other related markets, like credit sweeps and UCC filings.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
5.0 / 5 (6)
Facebook
4.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
705 Main St, Pineville, NC 28134

Why choose this provider?

Credit Firm Inc. is a credit repair company with an office in Charlotte. This firm adopts a holistic credit approach, resolving disputes, building credit card repayment schemes, and assisting in new credit establishment. It uses software to generate generic disputes, handle electronic derogatory credit removal, and notify creditors of actions taken. Its credit experts conduct consultative meetings to walk clients through the credit restoration process. Founder Dennis Hubbard has over two decades of experience providing credit coaching sessions.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
705 Main St, Pineville, NC 28134

Why choose this provider?

Credit Firm Inc. provides credit repair services to the Charlotte area. It helps clients, including those with low credit scores, repair their scores to increase the likelihood of obtaining financing. The firm's experts, who understand FICO and the credit scoring system, work with each client to develop a customized approach. Credit Firm Inc. handles the identification of reporting violations, and it can pursue credit bureaus and collection agencies when necessary. The company also takes care of judgment responses and goodwill late payments. Additionally, Credit Firm Inc. is a source of personal credit counseling. It gives advice on the details of derogatory factors, adding positive accounts, and managing current accounts.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
4.5 / 5 (8)
Yelp
1.0 / 5 (1)

Website
7 Corporate Center Ct, Greensboro, NC 27408
  • Debt Consolidation
  • Credit Monitoring

Why choose this provider?

Valiant Credit Services helps its clients in Charlotte achieve good financial ratings. It conducts an in-depth analysis of credit reports to spot disputable items, such as liens, repossessions, charge-offs, collections, student loans, and medical bills. The firm's agents raise these issues with credit bureaus and creditors and implement a process unique to the credit situation and profile of each customer. One of its recent client results has shown an improvement of 71 points. Valiant has a score certification badge from the Credit Consultants Association.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.7 / 5 (59)
Facebook
4.9 / 5 (47)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
2.8
Responsiveness
Friendliness
Helpfulness
––
Detail
––
Back to top

Frequently Asked Questions

  • How long does a repo stay on your credit report?

    A car repossession and many other negative items reported to the credit bureaus stay on credit reports for up to seven years. That's from the original date of the delinquency on the loan. Credit repair can't remove legitimate negative items, including repossessions, from credit reports if they're within the standard timeline.

  • Do credit repair companies work?

    Yes, credit repair companies can make use of legal protections to repair some issues related to people's credit. That includes asking the credit bureaus to remove inaccurate negative items. Individuals have a legal right to a fair and accurate credit report, and if a company mistakenly reports a payment as late or someone is the victim of fraud, for example, the bureaus have a burden to investigate and remove the inaccurate information.

  • How long does it take to repair credit?

    Simple inaccurate items might be deleted in 30-45 days, as that's how long the credit bureau has to investigate and respond to a dispute letter. If the reporting creditor responds with documentation to support the negative item, individuals might need to disprove that information and the matter can take longer.

    • Inaccurate late payment: 30-45 days
    • Inaccurate missed payment: 30-45 days
    • Numerous issues from multiple creditors: A few months
    • Fraud or identity theft: Several months to a year or more
    • Rebuilding poor credit: A positive impact is possible within a few months, but building credit is a long-term process

  • Can I repair my own credit?

    Yes, individuals can use many tools a credit repair company uses, including credit dispute letters. But this involves a lot of research and administrative work that credit repair pros are equipped to handle quickly and efficiently. They can also pursue these disputes more aggressively than you may be able to yourself, as you might be attending to other obligations, such as family and work.

  • Can credit repair companies remove charge offs?

    Yes, a credit repair company may be able to get a charge off removed from a credit report. The credit repair company has to prove the charge off is inaccurate. An example of how a charge off might be inaccurate is a situation in which payments were made when the transfer of the debt to a new company was illegal under the contract.

  • Can credit repair companies remove bankruptcies?

    A Chapter 7 bankruptcy can stay on someone's credit report for up to 10 years from the original petition date. A Chapter 13 bankruptcy can stay on someone's credit report for up to 7 years from the original petition date. Credit repair companies may be able to dispute a bankruptcy reported on someone's credit history if it's not their bankruptcy or if it's appearing outside of the date range stated above.

  • Can a credit repair company remove late payments?

    Inaccurate reports about late payments are, in many cases, one of the easier things to get removed. An individual can send a letter to the credit bureau in question with a copy of a statement or canceled check showing that they made the payment on time. That may be enough for the item to be removed. If the payment was made on time but wasn't appropriately recorded by the creditor, you may need professional help from a credit repair expert to address the issue.

Back to top